CIA

Citizens, Inc. (CIA)
Financial Services • Insurance - Life • $3.95 • MCap: 200,040,272 🌐
https://www.citizensinc.com • Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
Buy Decision Core
Total Score
35
Business Quality
4
Financial Strength
8
Growth Outlook
1
Momentum
2
Price Action
Current
3.95
52W High
6.38
52W Low
3.72
Above 50DMA
4.71 (-16.11%)
Above 200DMA
5.20 (-23.99%)
Relative Strength
Relative Strength
-0.24
RS 3M
-0.24
RS 6M
-0.23
RS 9M
-0.25
RS 12M
-0.24
Fundamentals
Revenue Growth
-0.07%
Earnings Growth
0%
ROE
0.05%
ROA
0.01%
Valuation
PE (Fwd)
19.75
PEG
1.21
P/B
0.85
Upside
32.91%
Risk
Beta
0.43
Short %
0.09
Risk Score
4.00
Analyst
Rating
strong_buy
Target
5.25
Beta
0.43
Analysts
0


Total Score
35
Upside
32.91%
Relative Strength
-0.24
Beta
0.43
Why Buy?
  • Trading below book value
  • Analyst upside exceeds 15%
Key Risks
  • Revenue growth is negative
  • Weak long-term relative strength
Score Breakdown
Business
4
Financial
8
Growth
1
Valuation
14
Risk
2
Momentum
2
Technical
52W High: 6.38
52W Low: 3.72
Above 50DMA: -16.11%
Above 200DMA: -23.99%
Valuation
Forward PE: 19.75
PEG: 1.21
P/B: 0.85
Upside: 32.91%
Risk
Beta: 0.43
Short Float: 0.09%
ROE: 0.05%
ROA: 0.01%